Business Details
41 Years
experience
Emergency
services
Your Trusted Bankruptcy Solution in North Carolina
The Law Offices Of John T. Orcutt has provided compassionate, client-focused bankruptcy legal services since 1985. Our team of experienced attorneys specializes in helping individuals and businesses eliminate debt through Chapter 7 and Chapter 13 bankruptcy solutions. With over 2,500 5-star reviews, we offer free consultations, 24/7 availability, and a unique '$0 Money-Down' program for qualifying clients.Our practice is built on core values of caring, kindness, and respect, with a proven track record of helping 72,343 families achieve financial freedom. We serve all 100 counties of North Carolina through both virtual and in-person consultations.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Free Consultation
24/7 Legal Support
Details
- Year established: 1985
Highlights and features
- We offer free immediate over-the-phone consultations 24/7
- Our '$0 Money-Down' program helps qualifying clients file bankruptcy with no upfront costs
- Experienced team with 72,343 families helped since 1985
- 24/7 availability for consultations and emergency situations
- 11 client guarantees including 15-day money-back guarantee
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. This process typically takes 3-4 months to complete. Qualifying individuals must pass a means test demonstrating insufficient income to repay debts. Our firm helps clients protect exempt assets while eliminating credit card debt, medical bills, and other unsecured obligations. We provide comprehensive guidance through the entire process from initial consultation to discharge.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy creates a 3-5 year repayment plan for debtors with regular income. This option helps clients keep valuable assets while restructuring debts. Our attorneys develop confirmable repayment plans that meet court requirements. We assist with modifying plans when needed and represent clients throughout the entire bankruptcy process. This solution works well for those needing to catch up on mortgage payments or protect non-exempt property.
Free Consultation
Our free initial consultation provides comprehensive debt assessment and legal guidance. During this session, attorneys evaluate clients' financial situations, explain bankruptcy options, and answer questions about the process. We offer both phone and in-person consultations with no obligation. Clients receive personalized recommendations about the most appropriate debt relief strategy based on their specific circumstances.
People
John T. Orcutt
Partner
Practicing bankruptcy law since 1997 with extensive experience in consumer and business debtor cases. Previously handled real estate, personal injury, and estate matters from 1976-1997. Recognized as top attorney in Chapter 7 bankruptcies.
Edward C. Boltz
Partner
Specializes in bankruptcy law since 1998, focusing on consumer and business debtor cases. Holds recognition as top attorney in Chapter 7 bankruptcies. Brings over 25 years of specialized experience to client representation.
Erica Nesmith
Attorney
Practicing bankruptcy and consumer protection law since 2019. Focuses on providing comprehensive legal solutions for individuals and businesses facing financial challenges. Combines legal expertise with personalized client service.
Questions
What does it cost to file bankruptcy?
Chapter 7 ranges $1,600–$6,450 plus $340–$390 court fees. Chapter 13 ranges $3,500–$6,500 plus $310 court fees. We offer '$0 Money-Down' options for qualifying clients.
Can I file bankruptcy without coming to the office?
Yes, we handle all consultations and filings over the phone with document submission via email or mail.
What debt can bankruptcy eliminate?
Bankruptcy can eliminate credit card debt, medical bills, personal loans, repossession deficiencies, and certain tax debts through Chapter 7 liquidation.
How long does bankruptcy take?
Chapter 7 typically completes in 3-4 months while Chapter 13 requires 3-5 years of payments through a court-approved plan.
Do you offer free consultations?
Yes, we provide free initial consultations 24/7 with no obligation to proceed with filing.
